|This company has broken several laws pertaining to the Fair Debt Collection Practices Act. Their employees are uneducated about federal laws, and they are disrespectful. I received a letter from them saying I owed a debt to someone and I sent a dispute letter to them through certified mail within a week of receiving the invoice. Three weeks later, I received another invoice from them, which is a direct violation of the FDCPA because they never validated their claim after I disputed it; as seen in the following excerpts from the FDCPA: § 809. Validation of debts |
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and § 809. Validation of Debts
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumerâ€™s right to dispute the debt or request the name and address of the original creditor. I called them several times after this to confront them on the laws they were breaking by not sending me validation of the debt. Each time I called, they said they would send out a validation but I never received one. Then I found out they had added the debt to my credit report, which again was a violation of the FDCPA because they still failed to validate my debt and cannot report to the credit bureau unless they do. Today I called them twice, the first time I called the woman that answered told me, "I needed to contact the original creditor about the debt." I said, "how come your company is the one who listed the debt on my credit report" and she said, "Our relationship with our client is none of your business, you need to contact the original creditor with all further correspondence." Later I called back, a different woman answered and told me, "Their Company did not violate any laws because they sent me three validation letters." I told her, "Thatâ€™s funny because I received all four of your invoices, yet I have not received any of your validation letters." She said, "Well obviously something is happening to the mail between leaving our place and reaching your house." I said, â€œdid you send the validation letters certified?" She said, "No they do not have to be certified." I think that, that is perfectly convenient for them to "claim" that they sent validation letters yet nobody receives them. The employees at this company are liars. I did not receive validation letters because none were sent, and if they are not certified there is no proof to track if they sent it or not, and they know that. They have to say that they sent validation though because debtors can sue when collection agencies fail to follow the FDCPA laws, which clearly Fidelity Information Corporation does not know how to do. If anyone is a victim of these scammers, take them to small claims court! Make sure to keep record of all letters you send or receive and make sure you send all letters through certified mail with a return receipts because they will try to lie and say they never received your dispute letters! This company can deny all of the allegations but anyone can see that they are lying; I mean there are several consumers they have ripped off.